Three bets, eight decks, and some of the lowest house edges in all of online gaming. Baccarat at 98 Games is fast, clean, and available right now — with your winnings paid straight to Easypaisa or JazzCash.
Live Hand — Round 142
Banker wins — Natural 9 vs Player 7
About Baccarat
Baccarat has a reputation as a game for high rollers — something that belongs in a Monte Carlo casino, not a mobile app. That image is mostly wrong. Baccarat is actually one of the simplest games in any casino, requires almost no prior knowledge to start playing, and consistently offers some of the best odds for the player. When you strip away the formality, what you are left with is a card game where you make one decision per round and collect your winnings when you are right. 98 Games has made that experience available to Pakistani players at any stake, from Rs 100 upwards.
The version of Baccarat most widely played today — including at 98 Games — is called Punto Banco. Punto means Player, Banco means Banker. Those are your two main betting options. You pick one side, cards are dealt according to fixed drawing rules, and whichever side gets closest to a total of nine wins the hand. That is essentially the whole game. There are no strategic choices to make mid-hand — no hitting or standing, no fold option. Your only decision is which side to back before the cards are dealt.
Card values in Baccarat differ from most other card games. Aces count as one. Cards 2 through 9 count at face value. Tens, Jacks, Queens and Kings all count as zero. When a hand's total exceeds nine, only the right-hand digit counts — so a hand totalling 15 is actually worth 5, and a hand totalling 12 is worth 2. This is why a hand can never be "bust" in Baccarat the way it can in Blackjack — the value simply wraps around rather than exceeding a limit.
A "natural" is the best hand in Baccarat — a two-card total of 8 or 9. When either the Player or Banker is dealt a natural, no further cards are drawn and the hand is immediately resolved. Naturals are the Baccarat equivalent of a blackjack in card terms — exciting to hit and very satisfying when your bet is on the right side.
The Banker bet is statistically the best bet in Baccarat with a house edge of just 1.06% — one of the lowest of any bet in online gaming. The platform takes a 5% commission on winning Banker bets, which is how the house edge is maintained even though Banker wins slightly more often than Player. The Player bet carries a 1.24% house edge — still very competitive. The Tie bet pays 8:1 but carries a house edge of around 14.4%, which makes it a poor value bet despite the attractive payout. Most experienced Baccarat players at 98 Games avoid the Tie bet entirely or use it very sparingly for occasional entertainment.
A common strategy for new Baccarat players at 98 Games is to simply follow the Banker consistently. It wins slightly over 50% of hands (when Tie results are excluded) and the 1.06% house edge means your bankroll depletes slowly compared to many other games. It is not exciting in a moment-to-moment sense, but it keeps you at the table longer and gives you more chances to hit the winning streaks that build a session's profits.
Baccarat tables at 98 Games run entirely in Pakistani Rupees. Minimum stakes start from Rs 100 per hand on standard tables, with high-roller VIP tables available for 98 Games VIP members at Rs 5,000 and above. Deposit via Easypaisa or JazzCash and your account is topped up in under two minutes. NayaPay, SadaPay, IBFT bank transfer, and Visa/Mastercard debit cards are all accepted. Withdrawals are processed within the hour for standard accounts, with priority handling available for VIP tier members. There are no withdrawal fees charged by 98 Games — the amount you request leaves in full.
Based on standard 8-deck Punto Banco rules.
Never cancel a winning Banker streak. If Banker has won four consecutive hands, keep backing it until the streak ends. There is no mathematical reason to switch — each hand is independent, but streaks happen and riding them is one of Baccarat's simple pleasures.
Your Three Bets
Three bets, three different risk profiles — here is exactly what each one pays and costs.
The Rules
Baccarat draws are determined automatically by fixed rules — no decisions required from the player. Here is when each side draws a third card.
These rules apply when Player does not stand. If Player stands (total 6–7), Banker draws on 0–5 and stands on 6–7.
Bead Road
Track recent outcomes with the Bead Road — the most straightforward baccarat scorecard. Pink = Banker, Dark = Player, Outlined = Tie.
Baccarat scorecards like the Bead Road, Big Road and derived roads are used by players to track recent outcomes. They do not predict future results — each hand is statistically independent — but many players find tracking patterns helps them feel more connected to the game session. 98 Games displays all standard scorecards on live tables.
Choose Your Game
Four different ways to play — each suited to a different pace and stake preference.
The standard Baccarat format played worldwide. Eight decks, fixed drawing rules, three betting options. Most tables at 98 Games run Punto Banco — it is the right starting point for every player.
Same rules as Punto Banco but dealt faster — up to eight rounds per minute. Lower table limits make it ideal for Pakistani players who want more hands per session at 98 Games without increasing risk per hand.
A real human dealer, a physical card shoe, real-time HD streaming. Sit at a live table, watch every card being dealt from the shoe, and interact with the dealer and other players at 98 Games.
Reserved for 98 Games VIP Silver and Gold members. Minimum Rs 5,000 per hand with higher table maximums. Private table option, dedicated VIP host, and priority withdrawal processing.
Getting Started
Create your 98 Games account in under two minutes. All you need is a mobile number and password — no complicated verification forms to start.
Top up via Easypaisa, JazzCash, bank transfer or card. Minimum Rs 500. Funds are live in your account within two minutes of payment.
Select a Baccarat table, place your stake on Banker, Player or Tie, and confirm. Cards are dealt automatically according to fixed rules — no further input needed from you.
Winning bets settle instantly after each hand. Withdraw your balance to Easypaisa or JazzCash — 98 Games processes standard withdrawals within the hour.
Make your first deposit at 98 Games during sign-up and receive a matched bonus. Use it on any Baccarat variant including Live Dealer tables. Simple terms — no tricks.
Why 98 Games
Every Baccarat hand at 98 Games is staked and settled in Pakistani Rupees. No foreign currency, no conversion rates, no surprise deductions when you cash out.
Baccarat tables at 98 Games load fast on any Android or iOS device. No app download required — open your browser and you are at the table in under a minute.
All transactions and personal data at 98 Games are protected with bank-grade encryption. Your account security and payment details are treated with the same care as a major financial institution.
Baccarat tables at 98 Games are available 24 hours a day, 7 days a week. Whether you play in the morning or late at night, a table is always running and accepting bets.
Regular Baccarat players at 98 Games accumulate VIP points automatically. Higher tiers earn cashback on net losses, priority withdrawals, and access to exclusive high-stakes tables.
The 98 Games support team is on live chat around the clock. They handle questions in both English and Urdu — payment issues, account queries, game rules, anything you need.
Baccarat is an entertaining game with a low house edge — but like all casino games, it is designed to be played for enjoyment rather than as a source of income. Set a firm session budget before you start, never stake money you cannot afford to lose, and stop when you reach your limit. 98 Games provides deposit limits, cooling-off periods, and self-exclusion options for any player who needs them. Strictly 18 and above. Please visit our Responsible Gaming page for more information.
Questions Answered